Meloche Monnex (TD Insurance) Auto Insurance Reviews

Called for a quote. Told them all info. I have two serious claims i was upfront with. She took my license number and says she sees those convictions and proceeds to tell me I am insurable, 100%. Kept in touch as I began looking for cars, and continued to get quotes and ok'd for insurance with TD. Finally found a car. Put a deposit and asked TD rep. to put the VIN and insurance in place. She says I am not insurable anymore because there are other things on my record. Was told by other reps. That the original rep. Did not look into the matter fully(even though she confirmed all the dates...so she obviously lied). Also was told they didnt have to look any further until the insurance was about to be purchased. They will do nothing. None of the reps will state they did anything wrong, even though I was misquoted on every single occasion until I was ready to pay for my insurance. Shady. Inaccurate. Inconsiderate. Dishonest. Bad business and no decency. Please, avoid this company and all others affiliated with it. They are not in the business of helping you. And they have all of their policies to back them up, so you will not win. Ever. At the risk of sounding redundant, please take your business elsewhere. This company does not deserve any hard-earned money. Leave them be. The other reviews can attest to this very same experience, in one form or another. Wish I would have read them before this. Let my experience not be regretful....please listen to this and all of the other reviews. Avoid TD Meloche Monnex.

The online quote may not be trusted because of a 'glitch' in the system. The quote may be generated assuming a customer qualifies for a multi-line discount even when it doesn't apply to her. 45 days guaranteed of the quote means nothing. So you may be in for a surprise when you are ready to purchase a policy, finding that the price is much higher than what was originally quoted. In my case, the call center agent could not explain the reason for the price discrepancy. When I asked to speak with her supervisor, she said matter of factly that she could not transfer my call. If you find yourself in the same situation, do not sign a contract out of time pressure or frustration. Shop around. There is a way to file a complaint and escalate the issue.

I've had my house and auto insurance with them for 25 years maybe more. In all that time I've had one auto claim some 11 years ago and no home claims. I was not at fault but my car was totalled. The claim was settled satisfactorily with speed and politeness. Nor did my rates go up beyond the usual creepage. A recent matter, not even involving a claim, has made me decide to leave this company. I had to purchase a car out of the province of my residence when my old one was beyond reasonable repair costs. First, they told me the maritime branch could still insure me but with a 60 % premium. I was willing to pay because it would only be for a few months. Then they came back and said they could not insure me and that I would have to be insured by their Ontario branch. That auto insurance was 85% more than I had been paying. Because they do not consider the Ontario and Maritme branches the same company and my home was insured with the Maritime branch my house insurance also went up 18%. I was not pleased but again considered it a temporary matter until I had my plates changed back in several months. I decided I would change insurance companies if they did not return me to close to the previous status quo to both house and auto. I asked them to send the policies to a temporary mailing address for me to review. But they got the address wrong. So I had to phone them to correct that and make sure future mailings went to my home address. Tried a couple of times but I could not wait more than 15 minutes to get a person. Then one day I got to a person within minutes... By not listening, just like the individual who did not get the address right, she turned what should have been a simple matter into something very complicated. She kept cutting me off and would not let me speak my mind. She had the gall to threaten to hang up if I did not calm down when she was the one escalating matters. I should have said, "You know what? It doesn't matter. I'll be changing insurance companies in the next few months," and then hung up. They'll be losing a good client. Never any problems with payment and only one claim in 25 years. She was the straw in a series of events. I do not want to be insured by a company that employs someone like her. She's a bully with psychological issues; the need to be right and a lack of genuine empathy. (I have a Ph.D. in psychology and worked in a psychiatric facility). They also lost my father a few years back. He never made any claims. But they were making mistakes with billing and he got tired of calling them up after they kept making the same mistakes over and over again.

I was with Meloche Monnex for 35 years without incident! I had a bad year after my father's death and wound up with 4 tickets. Meloche sent me a letter cancelling my insurance and only giving me a few days to make alternate arrangements. When I asked for an extension, they declined. After treating me so badly they had the audacity to ask me to return to them when my tickets cleared. I would not ever recommend this company to anybody and would never again use them myself. I had 2 vehicles insured plus my home insurance. I pulled all my insurance and went elsewhere. It turns out Meloche is not very honest. They claim to be cheap and I found much better deals elsewhere even with tickets.

I had a quote with TD Meloche Monnex a few days ago. The quote took 40 minutes because system issues. After this time I was told that since I did not graduate from a university or college, I cannot insure with them. Then they transferred me. An hour later a manager calls me from a private number, says if I email him $500, I can use McMaster rates. I emailed him 3 days ago but no callback. I called back and asked to speak to him and the guy said the manager is not in the office. I lost my money please help.

1. When I replied to the email that I got the Insurance confirmation from asking to change something, I never got any reply! The confirmation was only a table including the basic information only in their own terminology and did not have any clarification of anything in detail on top of that it had wrong information about the lessee! 2. When I later called and asked to send me a copy of the terms and conditions or the contract that I am signing in order to commit financially, I was told that the system doesn’t do that and that I have to accept everything we talked about verbally and I should not see what is excluded in the contract and on top of that if I cancel, mid-term or even when the mail comes to see the contract, I will be paying one month cancellation fee and the agents didn’t care about anything and he said he’ll be happy helping me cancel right now before the policy starts. I have asked for a manager and the manager just simply repeated what he said and then told me this is the rule here, it’s only a verbal quotation, this is how things work in this company! This is neither ethical nor professional. I am very disappointed with a big company like this behaving in such a bad scammy way!!